The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,011
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$664/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,687
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,375
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$636/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$25,936
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,213
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$796/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,425
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,050
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,802
−HK$763/mo
Today · 4.125%
HK$29,565
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,130/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,416
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,331
−HK$929/mo
Today · 4.125%
HK$31,260
baseline
▲ 0.50% · 4.625%
HK$33,162
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,520/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,725
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,602
−HK$891/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,311
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,820
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,196/mo
Today · 4.125%
HK$40,192
baseline
▲ 0.50% · 4.625%
HK$42,637
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,384/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,203
−HK$1,145/mo
Today · 4.125%
HK$44,348
baseline
▲ 0.50% · 4.625%
HK$46,685
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,696/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,437 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).